finpeel Answers · India · updated 2026-08-14
Yes, if your company itself performs a regulated insurance distribution/intermediary activity; selling online does not remove the required IRDAI authorisation or registration. The exact route depends on whether the business is an insurer, broker, corporate agent, web aggregator or another permitted intermediary.
A software platform can support a licensed insurance entity without itself becoming the seller if the licensed entity retains the regulated customer relationship and distribution role.
Map solicitation, advice, comparison, premium flow and remuneration before choosing the intermediary category.
Regulator: Insurance Regulatory and Development Authority of India (IRDAI)
Primary sources: IRDAI — Insurance Web Aggregators Regulations, 2017
Directional — not legal advice. Verify with the regulator before committing.
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